The Essays or Counsels, Civil and Moral
current; and let the state shut itself out, to take any penalty for the
same. This will preserve borrowing, from any general stop or dryness.
This will ease infinite borrowers in the country. This will, in good
part, raise the price of land, because land purchased at sixteen years'
purchase will yield six in the hundred, and somewhat more; whereas this
rate of interest, yields but five. This by like reason will encourage,
and edge, industrious and profitable improvements; because many will
rather venture in that kind, than take five in the hundred, especially
having been used to greater profit. Secondly, let there be certain
persons licensed, to lend to known merchants, upon usury at a higher
rate; and let it be with the cautions following. Let the rate be, even
with the merchant himself, somewhat more easy than that he used formerly
to pay; for by that means, all borrowers, shall have some ease by this
reformation, be he merchant, or whosoever. Let it be no bank or common
stock, but every man be master of his own money. Not that I altogether
mislike banks, but they will hardly be brooked, in regard of certain
suspicions. Let the state be answered some small matter for the license,
and the rest left to the lender; for if the abatement be but small,
it will no whit discourage the lender. For he, for example, that took
before ten or nine in the hundred, will sooner descend to eight in the
hundred than give over his trade of usury, and go from certain gains, to
gains of hazard. Let these licensed lenders be in number indefinite, but
restrained to certain principal cities and towns of merchandizing;
for then they will be hardly able to color other men's moneys in the
country: so as the license of nine will not suck away the current rate
of five; for no man will send his moneys far off, nor put them into
unknown hands.
If it be objected that this doth in a sort authorize usury, which
before, was in some places but permissive; the answer is, that it is
better to mitigate usury, by declaration, than to suffer it to rage, by
connivance.
Of Youth And Age
A MAN that is young in years, may be old in hours, if he have lost no
time. But that happeneth rarely. Generally, youth is like the first
cogitations, not so wise as the second. For there is a youth in
thoughts, as well as in ages. And yet the invention of young men, is
more lively than that of old; and imaginations stream into their minds
better, and, as it were, more divinely. Natures that have much heat, and
great and violent desires and perturbations, are not ripe for action,
till they have passed the meridian of their years; as it was with
Julius Caesar and Septimius Severus. Of the latter, of whom it is said,
Juventutem egit erroribus, imo furoribus, plenam. And yet he was the
ablest emperor, almost, of all the list. But reposed natures may do well
in youth. As it is seen in Augustus Caesar, Cosmus Duke of Florence,
Gaston de Foix, and others. On the other side, heat and vivacity in
age, is an excellent composition for business. Young men are fitter
to invent, than to judge; fitter for execution, than for counsel; and
fitter for new projects, than for settled business. For the experience
of age, in things that fall within the compass of it, directeth them;
but in new things, abuseth them.
The errors of young men, are the ruin of business; but the errors of
aged men, amount but to this, that more might have been done, or sooner.
Young men, in the conduct and manage of actions, embrace more than
they can hold; stir more than they can quiet; fly to the end, without
consideration of the means and degrees; pursue some few principles,
which they have chanced upon absurdly; care not to innovate, which draws
unknown inconveniences; use extreme remedies at first; and, that which
doubleth all errors, will not acknowledge or retract them; like an
unready horse, that will neither stop nor turn. Men of age object too
much, consult too long, adventure too little, repent too soon, and
seldom drive business home to the full period, but content themselves
with a mediocrity of success. Certainly it is good to compound
employments of both; for that will be good for the present, because the
virtues of either age, may correct the defects of both; and good for
succession, that young men may be learners, while men in age are actors;
and, lastly, good for extern accidents, because authority followeth old
men, and favor and popularity, youth. But for the moral part, perhaps
youth will have the pre-eminence, as age hath for the politic. A certain
rabbin, upon the text, Your young men shall see visions, and your old
men shall dream dreams, inferreth that young men, are admitted nearer to
God than old, because vision, is a clearer revelation, than a dream.
And certainly, the more a man drinketh of the world, the more it
intoxicateth; and age doth profit rather in the powers of understanding,
than in the virtues of the will and affections. There be some, have an
over-early ripeness in their years, which fadeth betimes. These are,
first, such as have brittle wits, the edge whereof is soon turned; such
as was Hermogenes the rhetorician, whose books are exceeding subtle;
who afterwards waxed stupid. A second sort, is of those that have some
natural dispositions which have better grace in youth, than in age; such
as is a fluent and luxuriant speech; which becomes youth well, but not
age: so Tully saith of Hortensius, Idem manebat, neque idem decebat.
The third is of such, as take too high a strain at the first, and
are magnanimous, more than tract of years can uphold. As was Scipio
Africanus, of whom Livy saith in effect, Ultima primis cedebant.
Of Beauty
VIRTUE is like a rich stone, best plain set; and surely virtue is best,
in a body that is comely, though not of delicate features; and that hath
rather dignity of presence, than beauty of aspect. Neither is it almost
seen, that very beautiful persons are otherwise of great virtue; as
if nature were rather busy, not to err, than in labor to produce
excellency. And therefore they prove accomplished, but not of great
spirit; and study rather behavior, than virtue. But this holds not
always: for Augustus Caesar, Titus Vespasianus, Philip le Belle of
France, Edward the Fourth of England, Alcibiades of Athens, Ismael
the Sophy of Persia, were all high and great spirits; and yet the most
beautiful men of their times. In beauty, that of favor, is more than
that of color; and that of decent and gracious motion, more than that of
favor. That is the best part of beauty, which a picture cannot express;
no, nor the first sight of the life. There is no excellent beauty, that
hath not some strangeness in the proportion. A man cannot tell whether
Apelles, or Albert Durer, were the more trifler; whereof the one, would
make a personage by geometrical proportions; the other, by taking the
best parts out of divers faces, to make one excellent. Such personages,
I think, would please nobody, but the painter that made them. Not but I
think a painter may make a better face than ever was; but he must do
it by a kind of felicity (as a musician that maketh an excellent air in
music), and not by rule. A man shall see faces, that if you examine them
part by part, you shall find never a good; and yet altogether do well.
If it be true that the principal part of beauty is in decent motion,
certainly it is no marvel, though persons in years seem many times more
amiable; pulchrorum autumnus pulcher; for no youth can be comely but by
pardon, and considering the youth, as to make up the comeliness. Beauty
is as summer fruits, which are easy to corrupt, and cannot last; and
for the most part it makes a dissolute youth, and an age a little out of
countenance; but yet certainly again, if it light well, it maketh virtue
shine, and vices blush.
Of Deformity
DEFORMED persons are commonly even with nature; for as nature hath
done ill by them, so do they by nature; being for the most part (as
the Scripture saith) void of natural affection; and so they have their
revenge of nature. Certainly there is a consent, between the body and
the mind; and where nature erreth in the one, she ventureth in the
other. Ubi peccat in uno, periclitatur in altero. But because there is,
in man, an election touching the frame of his mind, and a necessity in
the frame of his body, the stars of natural inclination are sometimes
obscured, by the sun of discipline and virtue. Therefore it is good to
consider of deformity, not as a sign, which is more deceivable; but as a
cause, which seldom faileth of the effect. Whosoever hath anything fixed
in his person, that doth induce contempt, hath also a perpetual spur
in himself, to rescue and deliver himself from scorn. Therefore all
deformed persons, are extreme bold. First, as in their own defence, as
being exposed to scorn; but in process of time, by a general habit. Also
it stirreth in them industry, and especially of this kind, to watch and
observe the weakness of others, that they may have somewhat to repay.
Again, in their superiors, it quencheth jealousy towards them, as
persons that they think they may, at pleasure, despise: and it layeth
their competitors and emulators asleep; as never believing they should
be in possibility of advancement, till they see them in possession.
So that upon the matter, in a great wit, deformity is an advantage to
rising. Kings in ancient times (and at this present in some countries)
were wont to put great trust in eunuchs; because they that are envious
towards all are more obnoxious and officious, towards one. But yet
their trust towards them, hath rather been as to good spials, and good
whisperers, than good magistrates and officers. And much like is the
reason of deformed persons. Still the ground is, they will, if they be
of spirit, seek to free themselves from scorn; which must be either by
virtue or malice; and therefore let it not be marvelled, if sometimes
they prove excellent persons; as was Agesilaus, Zanger the son of
Solyman, AEsop, Gasca, President of Peru; and Socrates may go likewise
amongst them; with others.
Of Building
HOUSES are built to live in, and not to look on; therefore let use be
preferred before uniformity, except where both may be had. Leave the
goodly fabrics of houses, for beauty only, to the enchanted palaces of
the poets; who build them with small cost. He that builds a fair house,
upon an ill seat, committeth himself to prison. Neither do I reckon it
an ill seat, only where the air is unwholesome; but likewise where the
air is unequal; as you shall see many fine seats set upon a knap of
ground, environed with higher hills round about it; whereby the heat
of the sun is pent in, and the wind gathereth as in troughs; so as you
shall have, and that suddenly, as great diversity of heat and cold as if
you dwelt in several places. Neither is it ill air only that maketh
an ill seat, but ill ways, ill markets; and, if you will consult with
Momus, ill neighbors. I speak not of many more; want of water; want of
wood, shade, and shelter; want of fruitfulness, and mixture of grounds
of several natures; want of prospect; want of level grounds; want of
places at some near distance for sports of hunting, hawking, and races;
too near the sea, too remote; having the commodity of navigable rivers,
or the discommodity of their overflowing; too far off from great
cities, which may hinder business, or too near them, which lurcheth all
provisions, and maketh everything dear; where a man hath a great living
laid together, and where he is scanted: all which, as it is impossible
perhaps to find together, so it is good to know them, and think of them,
that a man may take as many as he can; and if he have several dwellings,